Ralik Enterprise now available at Paylater Mall.

Get Up to 12-months interest-free instalments with PAYLATER, and take home your order on the same day!

How PAYLATER works

How to increase your shopping limit?

 1    PAYLATER app and select INCREASE.

 2    Fill in the information.

 3    Upload the necessary documents.

 4    Submit your application. 

Frequently Asked Questions (FAQ)

1. How can I qualify for ‘PAYLATER’?

• Malaysia Citizen with a valid Malaysia NRIC;
• Above the age of year 18 years old;
• Have a valid email address and mobile number;
• Have a valid residential address;
• Have a valid Bank Account / Debit Card / Credit Card

2. Will there be any interest charged for my purchase(s)?

There will be no interest.

3. What is my ‘Shopping Limit’? And how does my instalment work?

Your Shopping Limit is the available shopping amount you can spend with PAYLATER partnered Merchants. Your instalments will be deductible monthly from the date of purchase.

4. Can I increase my ‘shopping limit’?

User can request higher shopping limit in-app by providing additional information.
Login to PAYLATER Malaysia App, click on "INCREASE" to apply for higher shopping limit.
We might require you to upload the following documents:

• ONE - Latest month bank statements in PDF;
• ONE - Latest Payslip;Prove of income/revenue - For self-employed or own business;
• ONE - Latest Utility Bills (TNB bills, Water bills, Mobile Phone bills etc);

*Please ensure the document(s) you submitted is not password protected.

**Please note that all higher shopping limit application is subject to T&C for approval.You may request for higher shopping limit in-app. Please do have your latest bank statement (in PDF), utility bill and payslip or income statement ready.

5. Can I purchase with a debit card?

Yes, you can! Both debit and credit cards are accepted for ‘PAYLATER’ payment option.

6. What is the billing cycle like?

Your billing cycle will be monthly.

7. Are there late payment charges?

Yes, you may refer to here for more information.

8. What are my payment options for instalment?

You may choose either auto debit on your card, or FPX manual transfer to PAYLATER Malaysia via an in-app option in the ‘PAYLATER Malaysia’ app.

9. Can I seek refund(s)?

You may opt-in for a refund only if you do so within the same day. No refunds will be entertained 1 (ONE) working day from your purchase using ‘PAYLATER’ option.

10. Can I have more than 4 months instalments?

Yes, you may opt-in for a maximum of 12 months instalment with a fixed fee. Full details available in the ‘PAYLATER Malaysia’ app. Instalments above 4 months are subject to approval.

11. Can I apply for more than 1 (ONE) purchase at Ralik Enterprise at a time?

Yes, you may. As long as you are still within your allocated ‘shopping limit’, you may have as many purchases.